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Q:
Can a company file a suit against me if I am making an effort to pay debt?

I have a bill in the amount of $345 that is seriously past due. The company has threatened to file a suit against me if I do not pay in full by a certain date. The problem is that I will not have the money and the person contacted me at work said they could not accept the bill in two payments. I was told by another source that if I paid something (like $50) then they could not file because I was making some effort to pay. I would like to know from a professional so I do not make matters worse. I thank you in advance for your time. -Summer

Summer,

After seeing your efforts to repay, the creditor probably wouldn’t proceed with legal action. On the other hand, it is possible that they refuse the payment entirely and proceed with the suit. I wouldn’t take the chance. I recommend calling the company and explaining how and when you plan to repay the debt. If they agree to accept your $50 payment, they will want to know when they can expect the rest. If they do not accept your repayment plan, I recommend making every effort to repay according to their terms.

By the way, I applaud your efforts to repay the debt.

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